Insurance premiums are designed to benefit the for-profit insurance companies. Health insurance seems to be the hot political topic lately as we challenge who should actually be receiving these benefits. Having health coverage is not a luxury; it’s a necessity.
Recently several letters on this subject have suggested that we be allowed to create our own “a la carte” insurance plans. One writer tells us: “There is nothing preventing people from purchasing supplemental policies,” all we have to do is decide to pay extra for things that aren’t covered in a basic plan. This writer ends his letter saying we should focus on the economy and getting “unemployed people” back to work.
One other writer wants to know why she should be expected to pay for contraceptive coverage for women of childbearing age when she is a senior citizen. Perhaps she hasn’t seen how expensive the basic premiums are for young women in this category even without the “frills” of the pill.
Insurance companies would love to sell extended benefit riders and more expensive supplements. They would also love to deny paying for our medical expenses by creating controversy and conflict between those who have high-quality health insurance and those who have very little or none.
As a society we live in community with one another, and who is going to advocate for us if we don’t stick together? You cannot solve this issue by suggesting that all of us (can) simply buy what we want.